I've been known to quote stock market returns from a Compound Annual Growth Rate (geometric mean) point of view. This calculation takes into account the effect time has on a rate of return and is wildly more useful than simply looking at average rate of return (usually quoted as the arithmetic mean).
But any good hardcore day trader or even the wannabe home gamers in the investment world should quickly ask a disarming question: “so what?” So the markets have traditionally failed miserably to consistently post a year over year positive return over the course of the past decade. There are still people who make money investing in equities, even your precious insurance companies.
And you know what? They are correct.